Procedures and Services

It is a card intended for Cuban collaborators abroad.  It is issued in CUC according to agreement with the collaboration agency.

Main features:

A card is issued to the holder (collaborator) and up to two (2) supplementary cards to people defined by the holder.

The holder will establish monthly withdrawal (payment) limits for the supplementary cards.

 Both with the main card and with the supplementary ones, you can have cash at ATMs and at the POS (POS) of financial institutions.

 The main card has enabled the rest of the operations that are carried out in the ATMs, the supplementary ones do not.

 For the payment of goods and services through TPV (POS) the client receives a 30.0% discount.

 The request for the card is made by the collaboration body.

It is a card that has a numerical matrix printed on it that will allow you to access the different channels in a safe and confidential manner, since it will be used by the client to authenticate whenever they carry out operations in any of the services that use it.  It is associated with each person and not with the services.  With it and based on your magnetic card account you can operate through:

Kiosk (Remote banking of natural persons).

Virtual Bandec (Remote banking for companies and TCP).

Telephone banking.

Mobile banking

It is a magnetic stripe card associated with services such as savings accounts, payment of retirees, payroll, purchases of materials for subsidized.  It is issued in CUP or CUC.  It is aimed at the segment of natural persons.

The following operations can be performed with it:

Cash availability at ATMs and POS (POS) of financial institutions.

 Other operations at ATMs (payment of services, change of CADECA, transfer to other cards).

 Payment of goods and services in the commercial network through POS.

 If you request a Multibanca card, you can access all the operations enabled in the electronic channels (Kiosk, Virtual Bandec, Telephone Banking and Transfermóvil).

 In the case of the subsidized variant, it is issued to people who receive subsidies for construction actions and acquisition of construction materials and has the following peculiarities:

They can only be used in the POS (POS) of the stores authorized for the sale of construction materials (flea markets).

They do not allow cash withdrawals at ATMs and POS of financial institutions.

It is issued only in CUP.

It allows you to check the balance and the last 10 operations carried out with the card at ATMs.

To obtain a magnetic card it is required:

To formalize a savings account opening contract (if you do not have a BANDEC account).

To formalize current account opening contract (only for TCP).

To sign individual contract for RED BANDEC card.

Together with your magnetic card, request the Multibanca card to operate in electronic channels.